Growing Popularity For Money Back Schemes

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Presently, in the life insurance industry, regular source income has become a slogan. According to the new guidelines by IRDA, various insurers like-LIC, PNB Metlife, HDFC Life etc. have re-launched their traditional insurance plans which are focusing on regular income plans and money-back schemes. Last couple of years has seen inclination towards money-back and guaranteed plans. Chief marketing officer of PNB MetLife, Balachander Sekhar said that insurance in India is more of a saving source for things like child’s education and retirement.

The downfall in the economic scenario has increased the popularity of such plans; also, people don’t wish to pay premium for a longer time which makes these short plans more favorable, esp. among businessmen who are not sure of the survival of their business. Money back plans are also known as income plan which offer a certain amount of cash back throughout the life insurance tenure at regular intervals that gives better results and liquidity.

Post office monthly income scheme i.e. PO-MIS and senior citizens saving scheme are other options which offer regular income.

Financial advisors always suggest people to have a reliable life insurance and then look forward to an investment plan. For people with lower risk-taking ability can try having NCDs, tax-free bonds, FDs etc.

˜The insurers/plans mentioned are arranged in order of highest to lowest first year premium (sum of individual single premium and individual non-single premium) offered by Policybazaar’s insurer partners offering life insurance investment plans on our platform, as per ‘first year premium of life insurers as at 31.03.2025 report’ published by IRDAI. Policybazaar does not endorse, rate or recommend any particular insurer or insurance product offered by any insurer. For complete list of insurers in India refer to the IRDAI website www.irdai.gov.in

Past 10 Years' annualised returns as on 01-10-2025

^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.

Tax benefit is subject to changes in tax laws. Standard T&C Apply
++Source - Google Review Rating available on:- http://bit.ly/3J20bXZ

^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

¶Long-term capital gains (LTCG) tax (12.5%) is exempted on annual premiums up to 2.5 lacs.

**Returns are based on past 10 years’ fund performance data (Fund Data Source: Value Research).

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